AI주식인사이트AI Stock Insight
C

삼성카드

029780KOSPI

48.0 / 100

Reference Date: 2026-10-23

Financial Score20.5 / 40
News Sentiment12.5 / 25
Momentum5.0 / 20
Disclosure10.0 / 15
AI Analysis: PER is significantly undervalued vs. peers but the high debt ratio poses financial risk. Declined 6.2% over the past month, with no recent news.

Company InformationBased on 2025 Annual Report

Business Overview

Samsung Card, established in 1983, operates credit card services, installment leasing, and lifestyle convenience services with approximately 13.52 million members and 3.06 million merchants. In 2025, its personal credit card transaction volume reached 141.8 trillion won, a 9.1% increase from the previous year, and it has maintained the top position in customer satisfaction for 12 consecutive years.

Number of Employees

2,033people

Average Salary

146.4M KRW

Score Calculation Basis

Detailed Financial Score

PER
6.91Industry Average 15.008.0Point

Half of industry avg (excellent)

PBR
0.55Industry Average 1.207.0Point

Half of industry avg (excellent)

ROE
7.45Industry Average 8.002.5Point

Below industry avg

Debt Ratio
263.01Industry Average 100.000.0Point

2.6x industry avg (risky)

Trend 2023~20253.0 / 10 points
Revenue Growth Rate
0.0 / 3

Avg ▼18.4% (2-year basis)

Operating Profit Growth Rate
1.0 / 3

Avg ▲2.9% (2-year basis)

ROE Trend
2.0 / 4

Avg ROE 7.7% (declining, 3yr)

Detailed News Sentiment

0 totalPositive 0Neutral 0Negative 0

Detailed Momentum

52-week position1.0Point

Near 52w low (0%, downtrend)

Current 41,800Won52-week high 67,40052-week low 41,650
1-month return2.0Point

1m -6.17% (slight drop)

Volume trend2.0Point

Volume decreasing

Detailed Disclosure

13 totalPositive 0Neutral 13Negative 0
  • Neutral일괄신고추가서류2026-10-22
  • Neutral투자설명서(일괄신고)2026-10-22
  • Neutral기업설명회(IR)개최(안내공시)2026-10-20
  • Neutral증권발행실적보고서2026-10-15
  • Neutral투자설명서(일괄신고)2026-10-14